Stonegate Healthcare Ltd
CIF-01943 · U76942SI2014PLC101943 · Mining · Large Corporate · Singapore
RM: Ava Johnson
Credit Risk Manager: James Smith
Exposure: $33.54M
CBRB: Normal
Internal: Normal
Risk Score:24 · Low
Total Exposure
$33.54M
Prev: $31.75M5.6%
Utilization
33.0%
Prev: 32.3%0.7pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
6
C 2
H 2
M 1
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 8
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/3/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Dismissed | Sophia Thompson | — |
| 2/25/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Resolved | Benjamin Jones | 2/25/2026 |
| 12/25/2025 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Benjamin Jones | — |
| 5/12/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | David Wilson | — |
| 6/6/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | In Review | Matthew Sanchez | — |
| 3/18/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Grace Lee | — |
| 5/22/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | In Review | Olivia Taylor | — |
| 5/19/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Sophia Thompson | — |
AI Risk Score
24
/ 100
Low Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
CBRB Rating Migration+15
Industry Concentration+14
Utilization Level+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.6% month-over-month, currently at $33.54M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 33.0%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Credit Risk Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Business Head
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $20.90M | $12.65M | $33.54M | 33.0% | 3 | Normal |
| 2026-05 | $18.67M | $13.08M | $31.75M | 32.3% | 3 | Normal |
| 2026-04 | $21.36M | $11.31M | $32.67M | 36.8% | 3 | Normal |
| 2026-03 | $19.15M | $14.60M | $33.75M | 32.3% | 3 | Normal |
| 2026-02 | $17.30M | $15.34M | $32.64M | 37.1% | 3 | Normal |
| 2026-01 | $22.25M | $11.16M | $33.41M | 39.0% | 3 | Normal |
| 2025-12 | $21.40M | $11.59M | $33.00M | 33.9% | 3 | Normal |
| 2025-11 | $18.75M | $12.74M | $31.49M | 31.6% | 3 | Normal |
| 2025-10 | $19.32M | $13.37M | $32.69M | 33.8% | 3 | Normal |
| 2025-09 | $19.90M | $11.37M | $31.27M | 39.8% | 3 | Normal |
| 2025-08 | $21.50M | $10.69M | $32.19M | 39.6% | 3 | Normal |
| 2025-07 | $20.90M | $10.52M | $31.42M | 36.1% | 3 | Normal |